The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,274
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$293/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,712/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,318
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$281/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,750/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,129
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,476
−HK$351/mo
Today · 4.125%
HK$11,827
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,654/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,381
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$337/mo
Today · 4.125%
HK$13,050
baseline
▲ 0.50% · 4.625%
HK$13,738
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,100/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,984
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$410/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,638
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,445
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$393/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,028
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,450/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,694
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,213
−HK$528/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,820
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,572
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,070
−HK$505/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,607
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,556 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).